A Family Welcomes Quintuplets After the Loss of Premature Twins

An unusual story about a couple who fought for a child for a long time and who, after losing twins born in the 22nd week of pregnancy, had two daughters, and after them, no more and no less than five!

When Amy and Chad Kempel wanted to start a family, the beginning was not easy. After two years of unsuccessful attempts to conceive, Amy underwent insemination, and the procedure was successful; she became pregnant with twin boys. Unfortunately, the pregnancy ended in a premature birth at 22 weeks. The boys, Marshall and Spencer, were born alive but were not developed enough to survive.

The broken parents did not give up the desire for children and tried again, and they got a daughter, Savannah, and two years later, another daughter, Avery. But anyone who has experienced a miscarriage or the loss of a child during or at birth knows that pregnancy is no longer the same.

“After the loss of Marshall and Spencer, and before our eldest daughter Savannah was born, my experience of pregnancy changed. When we tried to have a baby again, I was nervous every day. Will I lose the baby today? Will it be born prematurely? I couldn’t enjoy it in pregnancy and the whole process of expecting a baby,” said Amy. But as Savannah and Avery grew up, it was time to decide whether to try to have a third child.

Amy was inclined to stay with two children, but Chad really wanted another child. “I was a lot alone with my older daughter because I’m a housewife mom, and when we had another child, I was in the minority during the day. I didn’t have that much time with her anymore, so I felt guilty. I felt depressed because it’s hard to be a mom with no time. And with all the attempts to get pregnant and have abortions, it was OK for me to have two children,” she added.

But the couple decided to have a third child, and they got the biggest surprise that no one could even dream of. Amy got pregnant with five babies!

“We immediately thought her body would carry out a pregnancy of five, if she couldn’t bring out two by the term… We were terrified too,” Chad said.

They found the best doctors to help Amy keep her pregnancy as long as possible. “When we were thinking about the end goal, we were prepared for the reality that we might not bring home all the babies,” Amy said.

Fortunately, Amy gave birth to five babies at 27 weeks, and the babies were in neonatology for 63 days at the time.

The parents couldn’t believe it at first, but then they saw the babies progressing and realized they were going to bring home five healthy babies: Lincoln, Noelle, Grayson, Preston, and Gabriella.

The family of nine has moved from California to Idaho, and the mother says they are learning day by day how to be the parents of five children of the same age plus two older daughters. They don’t have much time for themselves, and taking care of a large family is financially very demanding.

What does a day at their house look like? The most important thing is routine. Amy and Chad made a sleep and feeding schedule for the five babies. If one baby started crying at night, Amy says they waited a moment for two more to wake up, and then they went to feed them because if they started feeding one baby, they would literally be awake all night feeding the kids.

The couple has the help of a nanny when she goes to marital therapy, but when Chad is at work, Amy takes care of the babies herself.

“They wake up, they eat, I change their diapers, we play, and then they eat again, and so on all


Are you in need of financial assistance but don't want to sell your property? A loan against property might be the ideal solution for you. This type of loan allows you to leverage the value of your property to secure a loan amount. In this article, we will provide you with a comprehensive guide on obtaining a loan against property. Follow these step-by-step instructions to make the process smooth and hassle-free.

Assessing Property Value

The first step in obtaining a loan against property is to assess the value of your property. You can hire a professional property evaluator or consult a real estate agent to determine its market worth. The lender will consider this valuation to calculate the loan amount they can offer you.

Researching Lenders

Once you have assessed your property's value, it's time to research different lenders who offer loans against property. Compare their interest rates, loan tenure, processing fees, and customer reviews. Choose a reputable lender that aligns with your requirements and offers favorable terms and conditions.

Document Preparation

To apply for a loan against property, you need to gather the necessary documents. The typical documents include:

  • Property ownership documents
  • Identity proof
  • Address proof
  • Income proof
  • Bank statements
  • Tax returns

Ensure that you have all the required documents ready and organize them for easy access during the application process.

Loan Application

Now that you have chosen a lender and prepared the documents, it's time to submit the loan application. Fill out the application form provided by the lender, providing accurate information. Double-check the form to avoid any errors or discrepancies.

Property Valuation

After submitting the application, the lender will initiate the property valuation process. They will send a representative to assess the property's condition, location, and market value. This valuation helps the lender determine the maximum loan amount they can offer you.

Loan Approval and Disbursement

Once the property valuation is complete and meets the lender's criteria, they will approve your loan application. The lender will communicate the approved loan amount, interest rate, and repayment terms. Upon agreement, the loan amount will be disbursed to your bank account.

Repayment Terms

Understanding the repayment terms is crucial before finalizing the loan agreement. The terms include the loan tenure, interest rate, and EMI (Equated Monthly Installment) amount. Ensure that you carefully review the repayment schedule and have a repayment plan in place.


Obtaining a loan against property can provide you with the financial flexibility you need without giving up ownership of your property. By following the step-by-step instructions outlined in this article, you can navigate through the process effectively. Remember to conduct thorough research, gather the necessary documents, choose a reliable lender, and understand the repayment terms.


1. Can I obtain a loan against any type of property?

Yes, you can obtain a loan against residential, commercial, or industrial properties.

2. What happens if I default on the loan repayment?

Defaulting on loan repayment can lead to penalties, legal action, and the possibility of losing your property.

3. Is the interest rate fixed or variable for a loan against property?

The interest rate can be either fixed or variable, depending on the terms agreed upon with the lender.

4. Can I prepay the loan before the tenure ends?

Most lenders allow prepayment of the loan, but it may be subject to prepayment charges.

5. How long does the loan approval process take?

The loan approval process can vary among lenders, but it typically takes a few days to a few weeks, depending on the documentation and property valuation process.

In conclusion, a loan against property is an excellent option for individuals in need of financial assistance. By following the step-by-step instructions provided in this article, you can secure a loan against your property efficiently. Remember to thoroughly assess your property value, research lenders, prepare the required documents, and understand the repayment terms. With careful planning and execution, you can leverage your property to fulfill your financial needs.

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